Choosing an auto insurance company can be complicated: companies' rates may vary based on your driving history, age, and location, and companies offer an array of perks. Farmers and Safeco are two of the most popular insurance companies, offering affordable insurance policies across many states.
To make insurance shopping seamless, we gathered typical prices from Safeco and Farmers. These cover an array of pricing factors, including credit, driving behavior, and age. Take a look at these rates and find the right policy for you.
If you have very poor credit, Farmers could be the best option for you. On average, Farmers offers cheaper prices than Safeco for prospective clients with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or higher — should favor Farmers, which typically beats Safeco by $301 per year. Check out average insurance costs by credit score for Safeco and Farmers below.
|Credit level||Farmers avg. annual premium||safeco avg. annual premium|
|Very Poor (300-579)||$2,633||$5,308|
|Very Good (740-799)||$1,459||$1,871|
If you're saddled with an at-fault collision, ticket, reckless driving violation, or DUI offense in your recent history, Farmers could be a better choice than Safeco. Every auto insurance company enacts rate penalties differently, so it's worth comparing quotes to understand which insurer suits you.
|Infraction||Farmers avg. annual premium||Safeco avg. annual premium|
|At-fault accident (damage < $1,000)||$2,334||$2,546|
|At-fault accident (damage > $1,000)||$1,699||$1,969|
Auto insurance companies use a driver's age to outline risk potential, assigning rates accordingly. Auto insurance is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and most affordable for older drivers. Because every auto insurance company rates age brackets differently, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Farmers before Safeco: Farmers offers average yearly savings of $1,247 versus Safeco.
|Age tier||Farmers avg. annual premium||Safeco avg. annual premium|
Aside from affordability, there are myriad pros and cons of both Farmers and Safeco, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||Below average||Below average|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.||Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company.|
|Roadside Assistance||Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.||Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.|
|Additional Discounts||Farmers offers an additional discount for seniors.||Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service.|
|Recent Questions||Should senior citizens carry collision insurance?|
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.See More Questions
|Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?|
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.See More Questions
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